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se st\u00e1v\u00e1, \u017ee rodi\u010de \u010dekaj\u00ed, a\u017e budou jejich d\u011bti v pubert\u011b \u010di dokonce dosp\u011bl\u00e9, a teprve potom je za\u010dnou vzd\u011bl\u00e1vat v r\u00e1mci finan\u010dn\u00ed gramotnosti. Jedn\u00edm z d\u016fvod\u016f je, \u017ee sami rodi\u010de pova\u017euj\u00ed finance za komplikovan\u00e9 a tak je neum\u00ed pochopiteln\u011b zprost\u0159edkovat ani sv\u00fdm d\u011btem. Vysv\u011btlen\u00ed odsouvaj\u00ed na pozd\u011bji, \u010d\u00edm\u017e ztr\u00e1cej\u00ed nesm\u00edrn\u011b u\u017eite\u010dn\u00fd \u010das. V moment\u011b, kdy jejich d\u011bti nastoup\u00ed na dosp\u011bl\u00e1ck\u00fd vlak, \u010din\u00ed tak bu\u010f \u0161patn\u00e1 finan\u010dn\u00ed rozhodnut\u00ed, nebo mus\u00ed mnohem v\u00edce \u010dasu a energie v\u011bnovat po\u0159\u00edzen\u00ed zdrav\u00fdch finan\u010dn\u00edch n\u00e1vyk\u016f. Jak tedy p\u0159istupovat k finan\u010dn\u00ed v\u00fdchov\u011b d\u011bt\u00ed a kdy s n\u00ed za\u010d\u00edt?\r\n

S v\u00fdukou za\u010dn\u011bte co nejd\u0159\u00edve<\/strong><\/h3>\r\nV\u00fduku finan\u010dn\u00ed gramotnosti je dobr\u00e9 neodkl\u00e1dat. Za\u010d\u00edt s n\u00ed je t\u0159eba co nejd\u0159\u00edve, ide\u00e1ln\u011b ji\u017e v ran\u00e9m v\u011bku. Z\u00e1kladn\u00ed principy fungov\u00e1n\u00ed finan\u010dn\u00edho sv\u011bta dok\u00e1\u017e\u00ed toti\u017e pochopit u\u017e d\u011bti v p\u0159ed\u0161koln\u00edm v\u011bku. P\u0159\u00edkladem je p\u0159\u00edb\u011bh 5 let\u00e9 Hanky, kter\u00e1 se v kn\u00ed\u017ece Jak se Hanka nau\u010dila spo\u0159i<\/a>t pot\u00fdk\u00e1 s v\u00fdrazem spo\u0159en\u00ed a p\u0159irozen\u011b si z n\u011bj vytv\u00e1\u0159\u00ed sv\u016fj prvn\u00ed finan\u010dn\u00ed n\u00e1vyk. D\u011bti ve \u0161koln\u00edm v\u011bku jsou toti\u017e schopny porozum\u011bt v\u00edce finan\u010dn\u00edm pojm\u016fm, dok\u00e1\u017e\u00ed pl\u00e1novat finance a tak\u00e9 zhotovit si vlastn\u00ed rozpo\u010det. Skv\u011bl\u00fdm pomocn\u00edkem je zejm\u00e9na kapesn\u00e9, kter\u00e9 d\u011bti u\u010d\u00ed spr\u00e1vn\u011b hospoda\u0159it s pen\u011bzi v bezpe\u010dn\u00e9m prost\u0159ed\u00ed domova.\r\n\r\nM\u00e1te-li doma \u0161kol\u00e1ka, m\u016f\u017eete v\u00fduku finan\u010dn\u00ed gramotnosti je\u0161t\u011b o kousek roz\u0161\u00ed\u0159it. \u0160kol\u00e1ci u\u017e p\u0159ece znaj\u00ed \u010d\u00edsla a tak\u00e9 z\u00e1kladn\u00ed matematick\u00e9 operace, nemluv\u011b o tom, \u017ee st\u00e1le do sebe v\u0161echny znalosti nas\u00e1vaj\u00ed jako houby. Ch\u00e1pou, \u017ee zdroje pen\u011bz nejsou nekone\u010dn\u00e9, a \u017ee to, jak s nimi nakl\u00e1daj\u00ed, m\u00e1 i sv\u00e9 n\u00e1sledky.\r\n

S p\u0159ib\u00fdvaj\u00edc\u00edmi l\u00e9ty p\u0159itvrzujte<\/strong><\/h3>\r\nJakmile va\u0161e d\u00edt\u011b opust\u00ed br\u00e1ny prvn\u00edho stupn\u011b z\u00e1kladn\u00ed \u0161koly, p\u0159itvrzujte. Star\u0161\u00ed \u017e\u00e1ci jsou u\u017e toti\u017e schopni porozum\u011bt i komplikovan\u011bj\u0161\u00edm finan\u010dn\u00edm pojm\u016fm a souvislostem. Vysv\u011btlujte jim, co je \u00farok, jak funguj\u00ed \u00fav\u011bry a investov\u00e1n\u00ed \u010di jak\u00e1 je role bank a jin\u00fdch finan\u010dn\u00edch instituc\u00ed. U\u010den\u00ed o financ\u00edch by tak v p\u0159\u00edpad\u011b star\u0161\u00edch d\u011bt\u00ed m\u011blo b\u00fdt mnohem sofistikovan\u011bj\u0161\u00ed a komplexn\u011bj\u0161\u00ed.\r\n\r\nSamoz\u0159ejm\u011b je t\u0159eba br\u00e1t ohled na to, \u017ee ne v\u0161echny d\u011bti jsou ve vn\u00edm\u00e1n\u00ed finan\u010dn\u00edch souvislost\u00ed stejn\u00e9, proto je d\u016fle\u017eit\u00e9 p\u0159izp\u016fsobovat se nejen jejich v\u011bku, ale i schopnostem. Rodi\u010de sv\u00e9 d\u011bti znaj\u00ed nejl\u00e9pe, a tak je na jejich uv\u00e1\u017een\u00ed, kdy se kter\u00fdmi finan\u010dn\u00edmi t\u00e9maty za\u010dnou.\r\n

D\u016fle\u017eit\u00e1 je d\u011btsk\u00e1 forma v\u00fduky<\/strong><\/h3>\r\nTo, \u017ee d\u011bti od jist\u00e9ho v\u011bku dok\u00e1\u017eou porozum\u011bt n\u011bkter\u00fdm finan\u010dn\u00edm pojm\u016fm, neznamen\u00e1, \u017ee na n\u011b m\u00e1te vybalit odborn\u00e9 pou\u010dky z vysoko\u0161kolsk\u00fdch skript. U\u010den\u00ed se o financ\u00edch by m\u011blo b\u00fdt jednoduch\u00e9, z\u00e1bavn\u00e9 a hlavn\u011b vysv\u011btlen\u00e9 velmi jednoduchou a srozumitelnou d\u011btskou \u0159e\u010d\u00ed. Pot\u0159ebn\u00e9 je tak\u00e9, aby si jednotliv\u00e1 finan\u010dn\u00ed t\u00e9mata d\u011bti i prakticky vyzkou\u0161ely a byly tak schopny co nejd\u0159\u00edve uplatnit teorii iv praxi. Ide\u00e1ln\u00ed je proto pou\u017e\u00edvat r\u016fzn\u00e9 hry a aktivity, kter\u00e9 podporuj\u00ed vyu\u010dov\u00e1n\u00ed finan\u010dn\u00ed gramotnosti hrav\u00fdm zp\u016fsobem, a d\u00edky kter\u00fdm se v n\u00ed budou vzd\u011bl\u00e1vat r\u00e1di as \u00fasm\u011bvem. V\u00edce o hrav\u00e9 form\u011b vzd\u011bl\u00e1v\u00e1n\u00ed se do\u010dtete tak\u00e9 v na\u0161em blogu Jak u\u010dit finan\u010dn\u00ed gramotnost hravou formou.\r\n

Finan\u010dn\u00ed gramotnost a b\u011bh na dlouhou tra\u0165<\/strong><\/h3>\r\nRodi\u010de by si m\u011bli uv\u011bdomit, \u017ee finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed je b\u011bhem na dlouhou tra\u0165. Jde o proces, kter\u00fd by m\u011bl za\u010d\u00edt u\u017e v d\u011btstv\u00ed a zdokonalovat by se m\u011bl po cel\u00fd zbytek \u017eivota. Pokud chcete b\u00fdt zodpov\u011bdn\u00fdm rodi\u010dem a chcete sv\u00e9 d\u011bti nau\u010dit zodpov\u011bdn\u00e9mu p\u0159\u00edstupu k financ\u00edm, s v\u00fdukou za\u010dn\u011bte co nejd\u0159\u00edve. Nev\u00edte jak? Pomoci v\u00e1m m\u016f\u017ee d\u011btsk\u00e1 literatura, d\u00edky kter\u00e9 bude finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed z\u00e1bavn\u00e9 a interaktivn\u00ed. To je tak\u00e9 d\u016fvod, pro\u010d vznikl projekt Bystr\u00e9 D\u00edt\u011b<\/a>. Rodi\u010d\u016fm m\u00e1 pomoci ve vysv\u011btlov\u00e1n\u00ed finan\u010dn\u00edch t\u00e9mat hravou a srozumitelnou formou, d\u00edky \u010demu\u017e z\u00edskaj\u00ed pevn\u00e9 z\u00e1klady pro \u00fasp\u011b\u0161n\u00fd a zdrav\u00fd finan\u010dn\u00ed \u017eivot a jednodu\u0161eji tak najdou spr\u00e1vnou rovnov\u00e1hu mezi spo\u0159en\u00edm a utr\u00e1cen\u00edm 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